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Mortgage Rates JUST Hit a 3 Year Low Now What?

565 views· 5 likes· 2:06· Jan 10, 2026

Mortgage rates have dipped to their lowest levels in nearly three years, with the 30-year fixed near 6.06 percent on some measures. As rates stabilize or trend lower, borrowers should avoid paying points and focus on true no-points, no-fees refinances to stay flexible. Russell McDonald | NMLS 290837 | Broker CA DRE 01150730 Wymac Capital Inc | NMLS 18766 | Broker CA DRE 01121628 Real Estate Broker - CA Dept of Real Estate

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